---
title: Municipalities/Public Entities | Berry Insurance
description: Since 1922, Berry Insurance has been providing town, school, and water/sewer district municipality insurance to ensure protection for the public entities in the community.
image: https://www.berryinsurance.com/hubfs/Public%20EntityMunicipality%20Insurance%20-%20Simple%20Hero%20%281%29.png
---

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 Municipality insurance

# Comprehensive coverage for your towns, schools, and water districts

### Ensure the safety and prosperity of your community with coverage for each aspect of your public entity.

 

[Get a Quote](https://www.berryinsurance.com/insurance-quote-massachusetts?hsLang=en)

[![Download Quoting Checklist](https://no-cache.hubspot.com/cta/default/442677/0f34bbb1-6f52-46af-9178-86426162e20f.png)](https://cta-redirect.hubspot.com/cta/redirect/442677/0f34bbb1-6f52-46af-9178-86426162e20f)

![Public Entity Municipality Insurance ](https://www.berryinsurance.com/hs-fs/hubfs/Public%20EntityMunicipality%20Insurance%20-%20Simple%20Hero%20(1).png?width=1000&height=700&name=Public%20EntityMunicipality%20Insurance%20-%20Simple%20Hero%20(1).png)

![Public Entity Municipality Insurance ](https://www.berryinsurance.com/hs-fs/hubfs/Public%20EntityMunicipality%20Insurance%20-%20Simple%20Hero%20(1).png?width=1000&height=700&name=Public%20EntityMunicipality%20Insurance%20-%20Simple%20Hero%20(1).png)

## Customized plans for your public entity:

- Towns
- School districts
- Water districts

 - Select Plan -  Towns  School districts  Water districts

![Maze-Pattern-Right](https://www.berryinsurance.com/hs-fs/hubfs/Maze-Pattern-Right.png?width=690&height=691&name=Maze-Pattern-Right.png)

## What to expect when insuring your community:

Each town is a unique combination of its own citizens, history, and culture that helps to shape its community. 

Because each town is so different, your community needs a specific policy to cover buildings and properties, vehicles, officers, departments, and more.

By compiling a package of comprehensive insurance coverages, you can know your town is protected if and when a claim arises.

![Chris Public Entity](https://www.berryinsurance.com/hs-fs/hubfs/Chris%20Public%20Entity-1.jpg?width=1110&height=740&name=Chris%20Public%20Entity-1.jpg)

![Maze-Pattern-Right](https://www.berryinsurance.com/hs-fs/hubfs/Maze-Pattern-Right.png?width=690&height=691&name=Maze-Pattern-Right.png)

![white swoop top](https://www.berryinsurance.com/hubfs/white%20swoop%20top.svg)

![white swoop bottom-1](https://www.berryinsurance.com/hubfs/white%20swoop%20bottom-1.svg)

![https://f.hubspotusercontent20.net/hubfs/442677/assets/images/icons/green--checkbox.png](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

### Cover your property

Town buildings, parks, landmarks - so many parts of your town are vulnerable to damage from a number of risks. Property insurance can be a crucial safeguard against those hazards. 

![https://f.hubspotusercontent20.net/hubfs/442677/assets/images/icons/green--checkbox.png](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

### Cover your employees

Your employees are an important part of your town's character and operations.  You want to be sure they're covered and can return to work quickly and safely if injured on the job. 

![https://f.hubspotusercontent20.net/hubfs/442677/assets/images/icons/green--checkbox.png](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

### Cover your liability

With everything that makes up a town, they can be especially vulnerable to lawsuits. You need a liability plan to cover your town and employees from many types of claims.

## Coverage options for all angles:

Some towns just need the basics. Others need all the bells and whistles. Depending on your town's property, structure, and operations, you will need some or all of these policies.

![](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

##### Workers' compensation insurance

 to cover employees' medical expenses and wages following a workplace injury, as well as related lawsuits

![](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

##### General liability insurance

 to cover the unique liability exposures of a town's premises and operations

![](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

##### Property insurance

 to protect the town’s physical assets including buildings, furniture and equipment, supplies/electronics, and outdoor structures

![](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

##### Commercial auto insurance

 To cover all your town's vehicles

![](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

##### Inland marine insurance

 To cover items in transit, storage, temporary locations

![](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

##### Umbrella insurance

 For excess liability beyond existing policies

![](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

##### Public official liability insurance

 to cover claims against elected or appointed officials, employees, or volunteers of the town

![](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

##### Law enforcement liability insurance

 to cover wrongful acts committed by or on behalf of a public entity while on duty as law enforcement

![](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

##### School board liability insurance

 to cover non bodily injury/non-property damage liability claims made against school staff

![](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

##### Employment practices liability insurance

 to protect towns from claims they violated the rights of their employees

![](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

##### Cyber liability insurance

 to cover losses due to cyber attacks

![](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

##### & more

 depending on your town's unique needs

![Town](https://www.berryinsurance.com/hs-fs/hubfs/Town-2.png?width=512&height=755&name=Town-2.png)

![Maze-Pattern-Right](https://www.berryinsurance.com/hs-fs/hubfs/Maze-Pattern-Right.png?width=690&height=691&name=Maze-Pattern-Right.png)

![white swoop bottom-1](https://www.berryinsurance.com/hubfs/white%20swoop%20bottom-1.svg)

![white swoop top](https://www.berryinsurance.com/hubfs/white%20swoop%20top.svg)

## You've got municipality insurance questions? We've got answers.

A lot goes into insuring a town. You probably have a number of questions you want to feel sure about before securing your town's municipality insurance.

### What coverages does my town need?

Depending on your specific town's needs, you will need a number of coverages to build a strong policy to protect your town.

Some of these coverages may include: 

- Workers' compensation
- General liability
- Property
- Commercial auto
- Inland marine
- Umbrella
- Public officials
- Law enforcement liability
- Educators legal liability/school board
- EPLI
- Cyber liability

To find out what coverages are right for you, you'll need to talk to an agent who can gather details about your town, and suggest the most helpful coverages.

### What will the quoting process look like?

After the initial request for insurance coverage, most agencies will provide numerous forms and paperwork for towns to fill out regarding their budget, assets, population served, and many other important factors. When working with Berry Insurance, we would handle this paperwork for you, as well as setting up an in-person meeting to check out the spaces and get a better gauge of the insured’s expectations from their insurance policy. 

**When collecting information for a carrier’s underwriters, we would likely need to record the following information for a town. **

- Budgets
- Claim history/loss runs
- Statement of value - list of all buildings and locations 
- Construction Occupancy Protection Exposure (COPE) - determined risk of the property through square footage, year built, type of construction, safety features (sprinklers, alarms, etc.) and when any updates of major systems took place
- Updated schedules for any vehicles or equipment 
- Contents limit
- List of drivers - License numbers, dates of birth, claim history 
- Accurate information for all vehicles used by the insured
- Supplemental information for professional coverages (i.e. public officials, Police/Fire, law enforcement, and school board if applicable)

After gathering all the required information, we would send it to the insurance carrier’s underwriters to review. Once the underwriters have everything in hand, hearing back from them can take anywhere from 2-3 weeks, usually depending on whether they require more information than what we already provided.

Once we get the quote back from the insurance carrier, we would review it before presenting it to the insured, where they can then decide to accept the policy or take some time to compare to other quotes they may have. 

The complete process can take around a month or a month and a half, depending on the time of year and if the underwriters are experiencing any delays at the time the quote request is submitted**. Delays tend to be more common the closer we get to the municipality insurance policy expiration time period around June/July, making it better for any renewals or new insurance inquiries to be sent out earlier in the year. **

### How much will insuring my town cost?

The price towns can expect to pay for their insurance coverage will vary greatly due to multiple factors unique to each and every town. 

**Costs depend largely on the population size being served, the insured’s current budget, the infrastructure, whether or not the town has employees or subcontractors, as well as numerous other contributing factors. **

Also, if a town includes insurance coverage for their schools or water and sewer districts in their coverage, they can expect a higher price as that adds additional coverage unique to both types of public entities. 

**Typically, smaller towns or ones in less densely populated places will cost less to insure than larger towns or ones that have had recent updates to their infrastructure. **Of course there will always be exceptions, and we would have to work directly with any town to discuss their unique exposures and history to better determine the price range of their policy. 

### How do I file a claim?

Like any type of insurance, if you experience a claim situation, you'll need to collect details, decide if you want to file a claim, and reach out to your agent. They can help you reach out to your insurance company and navigate the claims process until settlement.

For more details on how to best manage the claims process, read this article: *[Guide for Navigating the Insurance Claims Process for Public Entities](https://www.berryinsurance.com/blog/guide-for-claims-public-entities?hsLang=en)*

### How do renewals work?

In the months prior to renewal, your insurance agent will reach out to you to begin talking about budget projections. They will then gather all the information they need for the underwriting process. After your agent submits that information to the insurance carrier, the carrier will return quotes to your agent for you to review and accept.

## Download our Municipality Insurance Quoting Guide

### Ready for a quote?

Quoting an entire town for insurance can be a complex process. Use this two-page worksheet to find out what to expect during your town's insurance quoting process so you can navigate the process more quickly and easily.

## Simplifying public entity insurance … one blog at a time

### Find the answers to all your insurance questions through the helpful resources in our free online Learning Center.

[![Berry 015A copy-2](https://www.berryinsurance.com/hs-fs/hubfs/Berry%20015A%20copy-2.jpg?width=3000&height=1500&name=Berry%20015A%20copy-2.jpg)

### 5 Benefits of Having Public Entity/Municipality Insurance with Berry Insurance

Berry Insurance, located in Franklin MA, offers municipality insurance with expert service to Massachusetts public entities, alongside other benefits.

Find Out 

](https://www.berryinsurance.com/blog/5-benefits-public-entity/municipality-insurance?hsLang=en)

[![Guide For Insuring Towns (Necessary Coverages, Underwriting, and Cost.)](https://www.berryinsurance.com/hs-fs/hubfs/Guide%20for%20Insuring%20towns.png?width=900&height=300&name=Guide%20for%20Insuring%20towns.png)

### Guide For Insuring Towns (Necessary Coverages, Underwriting, and Cost.)

Want to learn more about the process of insuring towns? Read up on the required coverages, quoting process, and what determines cost for a town's policy.

Learn More 

](https://www.berryinsurance.com/blog/guide-for-insuring-towns?hsLang=en)

[![Guide for Navigating the Insurance Claims Process for Public Entities](https://www.berryinsurance.com/hs-fs/hubfs/Guide%20for%20Navigating%20the%20Insurance%20Claims%20Process%20for%20Public%20Entities.png?width=900&height=300&name=Guide%20for%20Navigating%20the%20Insurance%20Claims%20Process%20for%20Public%20Entities.png)

### Guide for Navigating the Insurance Claims Process for Public Entities

It can be easy to get lost in the complexity of public entity insurance claims. Learn all about what to prepare when filing a claim for municipalities.

Dive In 

](https://www.berryinsurance.com/blog/guide-for-claims-public-entities?hsLang=en)

![Maze-Pattern-Right](https://www.berryinsurance.com/hs-fs/hubfs/Maze-Pattern-Right.png?width=690&height=691&name=Maze-Pattern-Right.png)

![Maze-Pattern-Right](https://www.berryinsurance.com/hs-fs/hubfs/Maze-Pattern-Right.png?width=690&height=691&name=Maze-Pattern-Right.png)

 Get in touch

## Ready to secure your community with the protection it needs?

Plan for the unexpected and protect your town's assets. Simply fill out this form and a member of our commercial insurance team will be in touch.

[Get a Quote](https://www.berryinsurance.com/insurance-quote-massachusetts?hsLang=en)

![Maze-Pattern-Right](https://www.berryinsurance.com/hs-fs/hubfs/Maze-Pattern-Right.png?width=690&height=691&name=Maze-Pattern-Right.png)

## What to expect when insuring your school district:

School districts are one of the most important aspects of any community. After all, they are the hub of education and socialization for the most crucial aspect of our future: our children.

Because each school district is so different, your district needs a specific policy to cover buildings and properties, vehicles, staff, students, and more.

By compiling a package of comprehensive insurance coverages, you can know your schools are protected if and when a claim arises.

![school](https://www.berryinsurance.com/hs-fs/hubfs/school.png?width=737&height=550&name=school.png)

![Maze-Pattern-Right](https://www.berryinsurance.com/hs-fs/hubfs/Maze-Pattern-Right.png?width=690&height=691&name=Maze-Pattern-Right.png)

![white swoop top](https://www.berryinsurance.com/hubfs/white%20swoop%20top.svg)

![white swoop bottom-1](https://www.berryinsurance.com/hubfs/white%20swoop%20bottom-1.svg)

![https://f.hubspotusercontent20.net/hubfs/442677/assets/images/icons/green--checkbox.png](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

### Cover your property

Between your actual school buildings and everything inside them, schools have a lot of valuable equipment vulnerable to damage from a number of risks. Property insurance can be a crucial safeguard against those hazards.

![https://f.hubspotusercontent20.net/hubfs/442677/assets/images/icons/green--checkbox.png](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

### Cover your employees

Teachers, administration, staff - all of your employees are an important part of your community's education.  You want to be sure they're covered and can return to work quickly and safely if injured on the job. 

![https://f.hubspotusercontent20.net/hubfs/442677/assets/images/icons/green--checkbox.png](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

### Cover your liability

Nurturing the safety and education of students of all ages is one of the most difficult jobs you can imagine. Your district needs a variety of liability plans to cover your school and employees from many types of claims.

## Coverage options for all angles:

Some schools just need the basics. Others need all the bells and whistles. Depending on your school district's property, structure, and operations, you will need some or all of these policies.

![](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

##### Workers' compensation insurance

 to cover employees' medical expenses and wages following a workplace injury, as well as related lawsuits

![](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

##### General liability insurance

 to cover the unique liability exposures of a school district's premises and operations

![](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

##### Property insurance

 to protect the school’s physical assets including buildings, furniture and equipment, supplies/electronics, and outdoor structures

![](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

##### Commercial auto insurance

 To cover all your schools' buses, vehicles, and their drivers and passengers

![](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

##### Inland marine insurance

 To cover items in transit, storage, temporary locations

![](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

##### Umbrella insurance

 For excess liability beyond existing policies

![](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

##### Employment practices liability insurance

 to protect school districts from claims they violated the rights of their employees

![](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

##### Student accident insurance

 To cover your students' injuries and protect your schools from lawsuits

![](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

##### Educators legal liability/school board:

 to protect your schools from non-bodily injury/non property damage liability claims made against staff and school boards

![](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

##### Cyber liability insurance

 to cover losses due to cyber attacks

![](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

##### & more

 depending on your school district's unique needs

![school building](https://www.berryinsurance.com/hs-fs/hubfs/school%20building.png?width=524&height=710&name=school%20building.png)

![Maze-Pattern-Right](https://www.berryinsurance.com/hs-fs/hubfs/Maze-Pattern-Right.png?width=690&height=691&name=Maze-Pattern-Right.png)

![white swoop top](https://www.berryinsurance.com/hubfs/white%20swoop%20top.svg)

![white swoop bottom-1](https://www.berryinsurance.com/hubfs/white%20swoop%20bottom-1.svg)

## You've got municipality insurance questions? We've got answers.

A lot goes into insuring a school district. You probably have a number of questions you want to feel sure about before securing your town's municipality insurance.

### What coverages does my school district need?

Depending on your specific school district's needs, you will need a number of coverages to build a strong policy to protect your schools.

Some of these coverages may include: 

- Workers' compensation
- General liability
- Property
- Commercial auto
- Inland marine
- Umbrella
- EPLI
- Student accident
- Educators legal liability/school board
- Cyber liability

To find out what coverages are right for you, you'll need to talk to an agent who can gather details about your town, and suggest the most helpful coverages.

### What will the quoting process look like?

After the initial request for insurance coverage, most agencies will provide numerous forms and paperwork for the school or school district to fill out regarding their budget, assets, population served, and many other important factors. When working with Berry Insurance, we would handle this paperwork for you, as well as setting up an in-person meeting to check out the space and get a better gauge of the school’s expectations from their insurance policy. 

When collecting information for a carrier’s underwriters, we would likely need to record the following information for a school or school district. 

- Budgets
- Claim history/loss runs
- Statement of value - list of all buildings    and locations
- Construction Occupancy Protection Exposure (COPE) - determined risk of the property through square footage, year built, type of construction, safety features (sprinklers, alarms, etc.) and when any updates of major systems took place
- Updated schedules for any vehicles or equipment
- Contents limit
- List of drivers - License numbers, dates of birth, claim history
- Accurate information for all vehicles used by the school 

After gathering all the required information, we would send it to the insurance carrier’s underwriters to review. Once the underwriters have everything in hand, hearing back from them can take anywhere from 2-3 weeks, usually depending on whether they require more information than what we already provided.

Once we get the quote back from the insurance carrier, we would review it before presenting it to the insured, where they can then decide to accept the policy or take some time to compare to other quotes they may have. 

The complete process can take around a month or a month and a half, depending on the time of year and if the underwriters are experiencing any delays at the time the quote request is submitted. **Delays tend to be more common the closer we get to the school’s insurance policy expiration time period around June/July, making it better for any renewals or new insurance inquiries to be sent out earlier in the year. **

### How much will insuring my school district cost?

Unfortunately, there is no definitive answer here, as multiple factors unique to every school and school district will go into determining the overall cost of the policy. 

Price depends largely on the number of students, teachers, past claims history, budget, the value of the building, as well as numerous other contributing factors. 

While the cost for most schools and school districts will have an insurance policy costing them $100,000 - $150,000 a year, that cost can still vary greatly. For example, some schools with much older buildings or in not as densely populated towns will be much cheaper to insure when compared to newer or larger schools in busier towns or cities. 

Of course there are always exceptions, and we would have to work directly with any school or school district to discuss their unique exposures and history to better determine a price range for their policy. 

### How do I file a claim?

Like any type of insurance, if you experience a claim situation, you'll need to collect details, decide if you want to file a claim, and reach out to your agent. They can help you reach out to your insurance company and navigate the claims process until settlement.

For more details on how to best manage the claims process, read this article: [*Guide for Navigating the Insurance Claims Process for Public Entities*](https://www.berryinsurance.com/blog/guide-for-claims-public-entities?hsLang=en)

### How do renewals work?

In the months prior to renewal, your insurance agent will reach out to you to begin talking about budget projections. They will then gather all the information they need for the underwriting process. After your agent submits that information to the insurance carrier, the carrier will return quotes to your agent for you to review and accept.

## Download our Municipality Insurance Quoting Guide

### Ready for a quote?

Quoting an entire school district for insurance can be a complex process. Use this two-page worksheet to find out what to expect during your schools' insurance quoting process so you can navigate the process more quickly and easily.

## Simplifying public entity insurance … one blog at a time

### Find the answers to all your insurance questions through the helpful resources in our free online Learning Center.

[![Berry 015A copy-2](https://www.berryinsurance.com/hs-fs/hubfs/Berry%20015A%20copy-2.jpg?width=3000&height=1500&name=Berry%20015A%20copy-2.jpg)

### 5 Benefits of Having Public Entity/Municipality Insurance with Berry Insurance

Berry Insurance, located in Franklin, MA offers municipality insurance with expert service to Massachusetts public entities, alongside other benefits.

Find Out 

](https://www.berryinsurance.com/blog/5-benefits-public-entity/municipality-insurance?hsLang=en)

[![Guide for Insuring Schools](https://www.berryinsurance.com/hs-fs/hubfs/Guide%20for%20Insuring%20Schools.png?width=900&height=300&name=Guide%20for%20Insuring%20Schools.png)

### Guide for Insuring Schools (Necessary Coverages, Underwriting, and Cost.)

Eager to learn more about what goes into insuring schools or school districts? Read up on the proper school insurance coverages and the quoting process.

Learn More 

](https://www.berryinsurance.com/blog/guide-for-insuring-schools?hsLang=en)

[![Guide for Navigating the Insurance Claims Process for Public Entities](https://www.berryinsurance.com/hs-fs/hubfs/Guide%20for%20Navigating%20the%20Insurance%20Claims%20Process%20for%20Public%20Entities.png?width=900&height=300&name=Guide%20for%20Navigating%20the%20Insurance%20Claims%20Process%20for%20Public%20Entities.png)

### Guide for Navigating the Insurance Claims Process for Public Entities

It can be easy to get lost in the complexity of public entity insurance claims. Learn all about what to prepare when filing a claim for municipalities.

Dive In 

](https://www.berryinsurance.com/blog/guide-for-claims-public-entities?hsLang=en)

![Maze-Pattern-Right](https://www.berryinsurance.com/hs-fs/hubfs/Maze-Pattern-Right.png?width=690&height=691&name=Maze-Pattern-Right.png)

![Maze-Pattern-Right](https://www.berryinsurance.com/hs-fs/hubfs/Maze-Pattern-Right.png?width=690&height=691&name=Maze-Pattern-Right.png)

 Get in Touch

## Ready to secure your community with the protection it needs?

Plan for the unexpected and protect your school district's assets. Simply fill out this form and a member of our commercial insurance team will be in touch.

[Get a Quote](https://www.berryinsurance.com/https://www.berryinsurance.com/insurance-quote-massachusetts?hsLang=en)

## What to expect when insuring your water/sewer district:

Without water, there is no life - so it's no secret that water and sewer districts are an essential part to any community.

Because of the vast services they provide our communities, it only makes sense that water and sewer districts should be receiving the proper insurance coverage to ensure everything flows smoothly.

By compiling a package of comprehensive insurance coverages, you can know your town's water supply is protected if and when a claim arises.

![Water sewer district](https://www.berryinsurance.com/hs-fs/hubfs/Water%20sewer%20district-1.png?width=696&height=486&name=Water%20sewer%20district-1.png)

![white swoop top](https://www.berryinsurance.com/hubfs/white%20swoop%20top.svg)

![white swoop bottom-1](https://www.berryinsurance.com/hubfs/white%20swoop%20bottom-1.svg)

![https://f.hubspotusercontent20.net/hubfs/442677/assets/images/icons/green--checkbox.png](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

### Cover your property

Buildings, water structures, technology, equipment - so many parts of your water and sewer district are vulnerable to damage from a number of risks. Property insurance can be a crucial safeguard against those hazards. 

![https://f.hubspotusercontent20.net/hubfs/442677/assets/images/icons/green--checkbox.png](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

### Cover your employees

Your employees are a pivotal part of keeping your town's water clean and flowing.  You want to be sure they're covered and can return to work quickly and safely if injured on the job. 

![https://f.hubspotusercontent20.net/hubfs/442677/assets/images/icons/green--checkbox.png](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

### Cover your liability

With everything that makes up a water district, they can be especially vulnerable to lawsuits. You need a liability plan to cover your district and employees from many types of claims.

## Coverage options for all angles:

Some water and sewer districts just need the basics. Others need all the bells and whistles. Depending on your district's property, structure, and operations, you will need some or all of these policies.

![](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

##### Workers' compensation insurance

 to cover employees' medical expenses and wages following a workplace injury, as well as related lawsuits

![](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

##### General liability insurance

 to cover the unique liability exposures of a water district's premises and operations

![](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

##### Property insurance

 to protect the district’s physical assets including buildings, water tanks, wells, treatment plants, supplies/electronics, and outdoor structures

![](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

##### Commercial auto insurance

 To cover all your water district's vehicles

![](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

##### Inland marine insurance

 To cover items in transit, storage, temporary locations

![](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

##### Umbrella insurance

 For excess liability beyond existing policies

![](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

##### Public official liability insurance

 to cover claims against elected or appointed officials, employees, or volunteers of the district

![](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

##### Employment practices liability insurance

 to protect water districts from claims they violated the rights of their employees

![](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

##### Pollution liability insurance

 Covers you from damages caused by toxic materials

![](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

##### Cyber liability insurance

 to cover losses due to cyber attacks

![](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

##### & more

 depending on your town's unique needs

![Town pipes](https://www.berryinsurance.com/hs-fs/hubfs/Town%20pipes-1.png?width=582&height=591&name=Town%20pipes-1.png)

![white swoop top](https://www.berryinsurance.com/hubfs/white%20swoop%20top.svg)

![white swoop bottom-1](https://www.berryinsurance.com/hubfs/white%20swoop%20bottom-1.svg)

## You've got municipality insurance questions? We've got answers.

A lot goes into insuring a water/sewer district. You probably have a number of questions you want to feel sure about before securing your town's municipality insurance.

### What coverages does my water/sewer district need?

Depending on your water/sewer district's needs, you will need a number of coverages to build a strong policy to protect your assets.

Some of these coverages may include: 

- Workers' compensation
- General liability
- Property
- Commercial auto
- Inland marine
- Umbrella
- Public officials
- EPLI
- Pollution liability
- Cyber liability

To find out what coverages are right for you, you'll need to talk to an agent who can gather details about your town, and suggest the most helpful coverages.

### What will the quoting process look like?

After the initial request for insurance coverage, most agencies will provide numerous forms and paperwork for the water and sewer district to fill out regarding their budget, assets, population served, and many other important factors. When working with Berry Insurance, we would handle this paperwork for you, as well as setting up an in-person meeting to check out the space and get a better gauge of the insured’s expectations from their insurance policy. 

When collecting information for a carrier’s underwriters, we would likely need to record the following information for a water or sewer district. 

- Budgets
- Claim history/loss runs
- Statement of value - list of all buildings and locations
- Construction Occupancy Protection -Exposure (COPE) - determined risk of the property through square footage, year built, type of construction, safety features (sprinklers, alarms, etc.) and when any updates of major systems took place
- Updated schedules for any vehicles or equipment
- Contents limit
- List of drivers - License numbers, dates of birth, claim history
- Accurate information for all vehicles used by the insured
- Dam inspection reports (when applicable)
- After gathering all the required information, we would send it to the insurance carrier’s underwriters to review. Once the underwriters have everything in hand, hearing back from them can take anywhere from 2-3 weeks, usually depending on whether they require more information than what we already provided.

Once we get the quote back from the insurance carrier, we would review it before presenting it to the insured, where they can then decide to accept the policy or take some time to compare to other quotes they may have. 

The complete process can take around a month or a month and a half, depending on the time of year and if the underwriters are experiencing any delays at the time the quote request is submitted. **Delays tend to be more common the closer we get to the water and sewer district’s insurance policy expiration time period around June/July, making it better for any renewals or new insurance inquiries to be sent out earlier in the year. **

### How much will insuring my water/sewer district cost?

Unfortunately, there is no definitive answer here, as multiple factors unique to each water and sewer district will play a role in determining the overall cost of a given policy. 

Price depends largely on the population size being served, the insured’s current budget, the infrastructure, whether or not the district has employees or subcontractors, as well as numerous other contributing factors. 

Some smaller water and sewer districts can have policies that cost a couple of thousand dollars, while larger districts can have policies starting at $100,000 and more. 

Of course there are always exceptions, and we would have to work directly with any water and sewer district to discuss their unique exposures and history to better determine their personalized price range of their policy. 

### How do I file a claim?

Like any type of insurance, if you experience a claim situation, you'll need to collect details, decide if you want to file a claim, and reach out to your agent. They can help you reach out to your insurance company and navigate the claims process until settlement.

For more details on how to best manage the claims process, read this article: [*Guide for Navigating the Insurance Claims Process for Public Entities*](https://www.berryinsurance.com/blog/guide-for-claims-public-entities?hsLang=en)

### How do renewals work?

In the months prior to renewal, your insurance agent will reach out to you to begin talking about budget projections. They will then gather all the information they need for the underwriting process. After your agent submits that information to the insurance carrier, the carrier will return quotes to your agent for you to review and accept.

## Download our Municipality Insurance Quoting Guide

### Ready for a quote?

Quoting an entire water/sewer district for insurance can be a complex process. Use this two-page worksheet to find out what to expect during your district's insurance quoting process so you can navigate the process more quickly and easily.

## Simplifying public entity insurance … one blog at a time

### Find the answers to all your insurance questions through the helpful resources in our free online Learning Center.

[![Berry 015A copy-2](https://www.berryinsurance.com/hs-fs/hubfs/Berry%20015A%20copy-2.jpg?width=3000&height=1500&name=Berry%20015A%20copy-2.jpg)

### 5 Benefits of Having Public Entity/Municipality Insurance with Berry Insurance

Berry Insurance, located in Franklin MA, offers municipality insurance with expert service to Massachusetts public entities, alongside other benefits.

Find Out 

](https://www.berryinsurance.com/blog/5-benefits-public-entity/municipality-insurance?hsLang=en)

[![Guide for Insuring Watersewer](https://www.berryinsurance.com/hs-fs/hubfs/Guide%20for%20Insuring%20Watersewer.png?width=900&height=300&name=Guide%20for%20Insuring%20Watersewer.png)

### Guide For Insuring Water & Sewer Districts (Necessary Coverages, Underwriting, and Cost.)

Interested in knowing what goes into the quoting process for water and sewer districts? Learn about the required coverages and what determines cost. 

Learn More 

](https://www.berryinsurance.com/blog/guide-for-insuring-water-sewer-districts?hsLang=en)

[![Guide for Navigating the Insurance Claims Process for Public Entities](https://www.berryinsurance.com/hs-fs/hubfs/Guide%20for%20Navigating%20the%20Insurance%20Claims%20Process%20for%20Public%20Entities.png?width=900&height=300&name=Guide%20for%20Navigating%20the%20Insurance%20Claims%20Process%20for%20Public%20Entities.png)

### Guide for Navigating the Insurance Claims Process for Public Entities

It can be easy to get lost in the complexity of public entity insurance claims. Learn all about what to prepare when filing a claim for municipalities. 

Dive In 

](https://www.berryinsurance.com/blog/guide-for-claims-public-entities?hsLang=en)

 Get in touch

## Ready to secure your community with the protection it needs?

### Plan for the unexpected and protect your water/sewer district's assets. Simply fill out this form and a member of our commercial insurance team will be in touch.

[Get a Quote](https://www.berryinsurance.com/insurance-quote-massachusetts?hsLang=en)

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